{"id":16956,"date":"2024-02-08T10:55:33","date_gmt":"2024-02-08T08:55:33","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=16956"},"modified":"2024-02-08T10:55:33","modified_gmt":"2024-02-08T08:55:33","slug":"quan-arribaran-a-espanya-els-life-settlements","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/quan-arribaran-a-espanya-els-life-settlements\/","title":{"rendered":"Quan arribaran a Espanya els Life Settlements?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;3\/4&#8243;][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text]<strong>\u00c9s un actiu molt consolidat en Estat Units, per\u00f2 que est\u00e0 absent en el mercat assegurador espanyol.<\/strong>[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1707311740748{margin-bottom: 20px !important;}&#8221;]La contractaci\u00f3 d&#8217;una asseguran\u00e7a de vida t\u00e9 per objecte proporcionar protecci\u00f3 econ\u00f2mica enfront de la mort de l&#8217;assegurat, no cobrir el seu risc de longevitat. No obstant aix\u00f2, la possibilitat de vendre la p\u00f2lissa en un mercat secundari mitjan\u00e7ant un life settlement proporciona una major versatilitat a l&#8217;asseguran\u00e7a de vida. Un life settlement (o acord de vida) \u00e9s una transacci\u00f3 en la qual el prenedor d&#8217;una asseguran\u00e7a de vida, pagable a la mort de l&#8217;assegurat, embeni la p\u00f2lissa en un mercat secundari per un valor superior al que obtindria en rescatar-la pel fet que l&#8217;esperan\u00e7a de vida de l&#8217;assegurat se situa per sota de l&#8217;est\u00e0ndard. Per part seva, l&#8217;inversor que compra aquesta p\u00f2lissa assumeix la responsabilitat de pagar les primes pendents, si existeixen, i adquireix el dret de cobrament de la suma assegurada arribat la defunci\u00f3 de l&#8217;assegurat.<\/p>\n<p>Aix\u00ed, a m\u00e9s de cobrir la possibilitat de defunci\u00f3, aquest producte pot realitzar la funci\u00f3 de fons d&#8217;estalvi que ha cobert la conting\u00e8ncia de mortalitat mentre ha estat necessari (fills a c\u00e0rrec de l&#8217;assegurat, hipoteca sobre l&#8217;habitatge familiar, etc.) i que es revalora per sobre del seu valor de rescat davant una reducci\u00f3 de l&#8217;esperan\u00e7a de vida de l&#8217;assegurat que pot portar-li, fins i tot, a situacions de depend\u00e8ncia (el que \u00e9s altament probable en edats posteriors a la jubilaci\u00f3).<\/p>\n<p>Laura Gonz\u00e1lez-Vila, membre de l&#8217;Observatori dels Sistemes Europeus de Previsi\u00f3 Social Complement\u00e0ria, ha dut a terme diverses recerques sobre aquest producte: les seves caracter\u00edstiques, la seva valoraci\u00f3, els riscos associats, els motius que poden portar les persones a optar per ells, etc. En dos recents articles, aquesta investigadora arriba a la conclusi\u00f3 que les variables m\u00e9s rellevants per als prenedors s\u00f3n l&#8217;expectativa d&#8217;utilitat, la facilitat esperada i la influ\u00e8ncia social. &#8220;Les troballes obtingudes poden tenir importants implicacions en la ind\u00fastria asseguradora ja que indiquen que per a la implantaci\u00f3 i desenvolupament d&#8217;un mercat secundari d&#8217;assegurances de vida cal centrar-se en aquells aspectes que millorin la percepci\u00f3 que tenen els prenedors respecte de les variables rellevants&#8221;, assenyala Laura Gonz\u00e1lez-Vila, que destaca la import\u00e0ncia &#8220;de con\u00e8ixer i analitzar opcions de previsi\u00f3 social complement\u00e0ria presents en altres pa\u00efsos, aix\u00ed com d&#8217;avaluar la seva possible implementaci\u00f3 i acceptaci\u00f3 per part dels diferents actors implicats en aquestes opcions, per a determinar si \u00e9s possible introduir aquestes opcions a Espanya&#8221;.[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][vc_tweetmeme][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][vc_facebook][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/4&#8243;][stm_spacing lg_spacing=&#8221;50&#8243; md_spacing=&#8221;50&#8243; sm_spacing=&#8221;50&#8243; xs_spacing=&#8221;50&#8243;][vc_column_text]<\/p>\n<h2>\u00daltimes not\u00edcies<\/h2>\n<p>[\/vc_column_text][stm_news loop=&#8221;size:4|order_by:date|order:DESC|post_type:post|categories:8&#8243; posts_per_row=&#8221;2&#8243;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;3\/4&#8243;][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text]\u00c9s un actiu molt consolidat en Estat Units, per\u00f2 que est\u00e0 absent en el mercat assegurador espanyol.[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1707311740748{margin-bottom: 20px !important;}&#8221;]La contractaci\u00f3 d&#8217;una asseguran\u00e7a de vida t\u00e9 per objecte proporcionar protecci\u00f3 econ\u00f2mica enfront de la mort de l&#8217;assegurat, no cobrir el seu risc de longevitat. No obstant aix\u00f2, la<\/p>\n","protected":false},"author":562,"featured_media":16957,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[160,1868,1927],"class_list":["post-16956","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-mediarionews","tag-mn-2","tag-mn222"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quan arribaran a Espanya els Life Settlements? - Col-legi de Mediadors d&#039;Assegurances de Barcelona<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.elcol-legi.org\/w\/quan-arribaran-a-espanya-els-life-settlements\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quan arribaran a Espanya els Life Settlements? - Col-legi de Mediadors d&#039;Assegurances de Barcelona\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column width=&#8221;3\/4&#8243;][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text]\u00c9s un actiu molt consolidat en Estat Units, per\u00f2 que est\u00e0 absent en el mercat assegurador espanyol.[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1707311740748{margin-bottom: 20px !important;}&#8221;]La contractaci\u00f3 d&#8217;una asseguran\u00e7a de vida t\u00e9 per objecte proporcionar protecci\u00f3 econ\u00f2mica enfront de la mort de l&#8217;assegurat, no cobrir el seu risc de longevitat. 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